Article 12 of the Saudi Social Security Law
المادة 12 من نظام الضمان الاجتماعي · الباب الثالث: آلية الاحتساب والاستحقاق
The article provides that each family of a breadwinner with several families is independent with its own pension, and that a family member studying outside the family's city does not affect its entitlement.
Official text (Arabic)
This article has not been amended since the law was issued.
1- إذا كان للعائل أكثر من أسرة، فتُعدّ كل أسرة مستقلة وتستحق معاشاً مستقلاً، وفقاً لما تحدده اللائحة.
2- لا يؤثر في استحقاق الأسرة للمعاش كون أحد أفرادها يقيم -لغرض الدراسة- خارج المدينة التي تقيم فيها الأسرة، وفقاً لما تحدده اللائحة.
This is the official Arabic wording, the only legally binding version. We do not translate the law itself; the explanation below is ours. Official source: Bureau of Experts at the Council of Ministers
Article 12 explained in plain English
This article deals with two practical situations that often recur:
First case: a breadwinner who has more than one family. If a breadwinner has more than one family, each family is considered independent and is entitled to an independent pension, as the Regulations specify. A family under Article 1 is a breadwinner and one or more dependents living in one dwelling, so if a man has two wives, each living with her children in a dwelling, they are two families.
This is consistent with Article 11, which bars a beneficiary other than the breadwinner from being in more than one family, with the breadwinner himself excepted.
Second case: studying outside the city. If a member of the family lives outside the city where the family lives for the purpose of study, that does not affect the family's entitlement to the pension, as the Regulations specify. The limit here is that living outside the city must be for the purpose of study, so the text does not apply to living outside the city for other reasons.
The importance of this case is that the definition of a family requires living in one dwelling, so the text prevents a student's travel to study from harming his family's entitlement.
In both cases the article refers to the Implementing Regulations to set the rules, so the text does not state how study is proved or how each family's pension is calculated.
Practical example
A family lives in Qassim, and its son moved to Riyadh to study at university. This move for the purpose of study does not affect the family's entitlement to the social security pension, under the rules set by the Regulations.
Translated from our Arabic explanation with machine assistance. For guidance only; it does not replace advice from a lawyer on your situation.
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Frequently asked questions about Article 12 of the Saudi Social Security Law
Does each wife have an independent social security pension?
If a breadwinner has more than one family, each family is considered independent and is entitled to an independent pension, as the Regulations specify.
Does my son studying in another city affect social security?
It does not affect the family's entitlement that one of its members lives outside its city for the purpose of study, as the Regulations specify.
Does the provision cover living outside the city for work?
The text mentions living for the purpose of study only, and did not address living for other reasons.
More articles on Social Security Eligibility Conditions
- Article 9
The article sets four conditions for entitlement to the pension: Saudi nationality and permanent residence, calculated income below the minimum, the wealth criteria, and compliance with the Ministry's requirements.
يستحق المعاش كل من استوفى الشروط الآتية: 1- أن يكون سعودياً مقيماً إقامة دائمة في المملكة، وفقاً لما تحدده اللائحة من ضوابط. 2- أن يقل الدخل المحتسب للمستقل أو
- Article 10
The article excepts specific categories from the nationality requirement, including a non-Saudi woman married to a Saudi and a non-Saudi widow or divorcee with Saudi children.
يستثنى من شرط الجنسية الفئات الآتية: 1- المرأة غير السعودية المتزوجة من سعودي. 2- الأرملة أو المطلقة غير السعودية ولها أبناء سعوديون. 3- أبناء الأرملة أو المطلق
- Article 11
The article bars any beneficiary other than the breadwinner from being in more than one family, as the Implementing Regulations specify.
لا يجوز لأي مستفيد، غير العائل، أن يكون في أكثر من أسرة، وفقاً لما تحدده اللائحة.
- Article 13
The article lets the family choose another qualified breadwinner if, under the Regulations' mechanism, the breadwinner is shown to lack capacity or to be incapacitated by an illness that makes it hard to manage the pension.
إذا ثبت -وفق الآلية التي تحددها اللائحة- عدم أهلية العائل أو عجزه لمرض يصعب معه التصرف في المعاش؛ فيجوز للأسرة أن تختار من تجد فيه الأهلية ليكون العائل.
The texts are reproduced from the official website of the Bureau of Experts at the Council of Ministers for reference; where they differ, the officially published Arabic text prevails. This content is not legal advice.

